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Merchant Banking

A merchant banking is a financial institution primarily engaged in offering financial services and advice to company and wealthy individuals on how to use their money. A merchant bank deal with commercial banking needs of finance, company & long term loans and stock writing. Merchant banking does not have retail offices where customer can go and access their account. A merchant bank is also called as wholesale banking. OBJECTIVE Main objective of merchant banking is coordinating the activities like the…...

A Case Study of Joint Venture Banks in Nepal

Using the data set published by joint venture banks in their annual reports, and NRB in its supervision annual reports, this paper examines the financial health of joint venture banks in the CAMEL framework. The health check up conducted on the basis of publicly available financial data concludes that the health of joint venture banks is better than that of the other commercial banks. In addition, the perusal of indicators of different components of CAMEL indicates that the financial health…...

Banc One HBS Case

Banc One has a problem with the alignment of two of its important strategies: (1) rapidly acquiring profitable banks and (2) sustaining high returns while mitigating interest rate risk. Banc One has been very successful in acquiring banks, and much of this is done through the sale/transfer of Banc One’s stock. This strategy relies heavily on Banc One’s ability to maintain a high stock price. The second strategy – high returns with mitigated interest rate risk - relies heavily on…...

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Guna Fibres Money Management Case Analysis

Problem Statement The problem that the firm Guna Fibres is facing is that they lack sufficient cash flow from operations to meet their day-to-day financial obligations. Guna Fibres has become dependent on a revolving line of credit from the All-India Bank & Trust Company and due to increasing operating expenses and costs of good sold Guna Fibres is no longer able to remain solvent based on their current financial practices. Situation Analysis Guna Fibres is a textile manufacturing company located…...

First Keystone Bank

1. Prepare a list of internal control procedures that banks and other financial institutions have implemented, or should implement, for their ATM operations. Financial institutions should implemented the following internal control procedures. The first one is Risk Assessment, which means financial institutions’ management should identifies, analyzes, and manages risks that can affect the company. The second one is Control Environment, this procedure require management of the institutions attitude toward, awareness of, and actions concerning the internal control structure to in…...

Banksy-Graffiti Art

The life of the street artist is, by necessity, one of anonymity. In many of the world’s cities, the most noticeable and breathtaking pieces of art aren’t created by world-renowned talents. They are created by the unknown street artist under cover of darkness. We never see them and they are known only by their tagging pseudonyms. Banksy is a British graffiti artist, political activist, film director, and painter. It has been said, Banksy "was born in 1974 and raised in…...

Separation of Commercial Banks and Investment Banks

One of the key concerns growing out of the debate on whether to separate or merge retail banking and wholesale/investment banking activities has been the stability of a nation’s banking system. The experience of the US banking system has suggested that merge of commercial and investment banks is a better approach to achieving stability. After the global financial crisis, the American economy went into recession. The policy priority of American government was then to intervene into its banking system so…...

The Case of the Unknown Industries

In the Case of the Unknown Industries, we matched several industries with their corresponding balance sheets. We used several different methods to come up with our conclusion. An important factor we had to remember was the economic state industries were in their respective year. A. Online Retailer This set of data belongs to the online retailer industry. The most significant categories that helped with our decision was the low inventory for a retail business and the relatively high inventory turnover.…...

Hrm in Cooperative Banks in India

The world of work is rapidly changing. As a part of organization, Human Resource Management (HRM) must be prepared to deal with effects of changing world of work. Business today doesn’t have national boundaries – it reaches around the world. In the competitive environment, employees of any business organization are the key factor for deciding the success of the firm, in general, and cooperatives in particular.Indian cooperative banking movement has passed through hundred years of its existence. At the same…...

Role of Commercial Banks in Economic Development

The Banking Sector has for centuries now formed one of the pillars of economic prosperity. Indeed history provides us with some starting information regarding how banks provided finance for imperialist ventures in newly acquired colonies. Over time banks have formed an important part in providing an avenue for both savings and investments. Land, Labor, capital and entrepreneurs are the basic economic resources available to business. However, to make the use of these resources, a business requires finance to purchase of…...

Role of Banks in the Economic Development

Bank: An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them; discounts notes, makes loans, and invests in securities; collects checks,drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks. Features of Bank: • Money Dealing • Acceptance of Deposit • Grant of loan and advances • Payment and withdrawal of deposits…...

Gustave courbet: young ladies on the banks of the seine

Courbet was one of the most influential artists and leader of the XIX century realist movement whose paintings challenged and shocked contemporary art critics and French society. Although widely considered as the founder of Realism, Courbet accepted this title only partly as some of his paintings are a mixture of various genres and styles and reflect elements of realistic, abstract, modern, or postmodern painting (Smith). Gustave Courbet and Realism Jean Desire Gustave Courbet was born June 10, 1819, in a…...

Bank Industry

The second logo design of Banco de Oro Banco de Oro had its humble beginnings on January 2, 1968, when it began as a thrift bank called Acme Savings Bank. With two branches in Metro Manila, Acme was one of the smallest banks in the Philippines at the time. In November 1976, Acme was obtained by the Sy Group, the group of companies presently owned by retail tycoon Henry Sy, and relabelled Banco de Oro Cost savings and Home Mortgage…...

Csr in Inidan Banking Sector

State regulatory bodies, NGOs, media, customers have significantly addressed social responsibility issues in banking sector. International organization such as World Bank also exerts pressures on banks to analyze social and environmental risk involved in projects to be financed. In addition the reputation and resultant profitability of an organization are greatly effected by their CSR activities. Researchers have found a positive correlation between CSR and financial performance of the organization. Around the globe, a good commitment is being shown by the…...

Activities in India

The development process of CSR strategy in Indian |Banking Sector can be divided into 4 phases. During 1920’s the CSR activities in financial sectors are mainly motivated by charity and philanthropy which does not have a clear planning or message towards society. Between 1914 and 1960 the financial sectors become more concerned over ethical responsibilities and social development to become a good corporate citizen. During early stage of 1970’s the financial sectors become more concern over the legal responsibilities by…...

Dickens and Banks about Control Through Manipulating Truth

The notion of control is delved into, by both Dickens and Banks -this is expressed through the environment. In "Great Expectations" Dickens' persona of Pip is seen as ungrateful in all the things his uncle Joe has done for him as he wishes he would not come to see him after becoming a gentleman "If I could have kept him away by paying money, I certainly would have paid money." Pip considers Joe to be socially inferior to him which…...

Global Central banks

Introduction: --Banking is no longer somewhere you go, it's something you do "Global Central banks have pumped $8.7tn into the banking system to 'save the world'. Saving the banks has cost more money than it cost to fight WWII, the first Gulf War, put a man on the moon, clean up after last year's Japanese Tsunami, and the entire African aid budget for the last 20 years all put together." David McWilliams, PunkEconomics In an era where my usage of…...

Wei have choseni Banks asi ouri researchi product In this producti is

Wei have choseni Banks asi ouri researchi product. In this producti is is onei of thei Islamici financei producti as to depositi financing, liquidityi financingi and personali financing. Thosei typesi of Islamici financingi used Murabahahi and Tawarruqi as a producti in the particulari transaction. Ini Malaysia, thei operationi of Tawarruqi is supervisedi by Shariahi Committeei (SC) ini additioni to thei advicei of the whichi is thei highesti Shariah Negarai Malaysiai (BNM) cani be soughti to ensurei uniformityi in viewsi andi…...

Simple Random Sampling Method

The total population 69000 bank employees around 63 banks and selected 15000 employees out of 69000 bank employees. Around 21% populations selected for sample but 15000 employees selected randomly not as like first 15000 or any sequences of employees only selected by the researchers. One primary reason behind this selection for research is the taking interview of all the total bank employees is difficult because of budget limitation. Taking sample of small group is easy to get accurate, efficient, sufficient…...

Credit Risk Management in Commercial Banks

However, the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparts, poor portfolio risk management, r lack of a watchful eye to the changes In economic or other circumstances that can lead to deterioration in the credit standing of a bank's counterparts. This paper aims at highlighting the factors influencing credit risk management practices among commercial banks In Kenya. This Is an empirical review of studies carried out related to…...

Deposit Mobilization of Commercial Banks in the Context of Nepal

Introduction Background Capital formation is one of the important factors leads to increase in the size of national output income and employment, solving the problem of inflation and balance of payment and foreign debts. Domestic capital formation helps in making a country self sustainable. According to classical economist, one of the main factors which helped capital formation was the accumulation of capital. Profit made by the business community constituted the major part of savings the community and the saved has…...

Espedair Street by Iain Banks

"Two days ago I decided to kill myself." This extreme quotation is the opening line in the novel 'Espedair Street' by the Scottish novelist, Iain Banks. The book is based around the life of a famous rockstar and, due to the first person narrative, gives an in-depth insight into the troubles and joys, before, during and after his reign of fame. I originally selected this text because I found the blurb very intriguing and thought the modern humorous storyline would…...

Financial Instruments

Swaps were created out of a response to the deficiencies of certain financial instruments that were prevalent up to the early 1980s. Specifically in relation to parallel and back-to-back loans, banks found that it was necessary to modify the conditions inherent in these transactions to reap maximum benefits and make them cater more closely to their individual financial needs. Swaps therefore arose out of a need remedy the shortcomings of traditional loan facilities. Evidently swaps are therefore primarily concerned with…...

Hostile takeovers and investment banks

Description of White Knight defense strategy has been mentioned in the earlier section. In a final bid to stop Mittal from taking over Arcelor, the management tried one last time to put up a defense in the form of a merger with the largest Russian steel company Severstal. Again the management did not agree to call the strategy as a white-knight strategy, stressing instead on the advantages of the deal. While Severstal was already linked with Arcelor via technical agreements…...

Liquidity Management in Banks

I have tried my level best to prepare the report in consistence with the optimal standard under your valuable direction. With great pleasure, I would like to express my profound gratitude to you for rendering me your expertise knowledge and giving the opportunity to gather knowledge through making the report. I tried with my best effort during preparing the report. However, I will not claim that this report is flawless and very exclusive one. I hope that you will consider…...

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